The debtor believes he will have the money to repay on time.

CNN: ?>?magazine

If you make small, uncollateralised business loans to groups of poor women, they almost always repay them on time.

ECONOMIST: Microfinance

Thus, barring any unforeseen catastrophic circumstances that cannot be anticipated at loan approval, a consumer can be relied upon to repay their mortgage back on time.

FORBES: The Great And Powerful New Ability-To-Repay Rule

Yet over time immigrants more than repay the extra short-term burden they impose on education, health and other budgets.

ECONOMIST: Immigration